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[1:45]
As a result of those discussions, we
[1:47]
have developed the requirements that
[1:49]
have been submitted in your packet. We
[1:51]
feel these requirements are fair and
[1:53]
reasonable and should alleviate some of
[1:55]
the concerns that have come up regarding
[1:57]
insurance coverage with when renting a
[1:59]
city facility, pavilion, or hosting a
[2:01]
special event. Our goal is to provide
[2:04]
appropriate protection for the city
[2:06]
while keeping the process reasonable for
[2:08]
rentals and special events. John is here
[2:10]
tonight with us this evening to go over
[2:13]
the different risk categories and answer
[2:14]
any questions you may have.
[2:16]
John.
[2:22]
» Thank you, Sherry.
[2:23]
Thank you, Council.
[2:28]
So, in working with Casey and Lori in
[2:30]
the Parks Department over the last
[2:32]
couple months, we've gone through
[2:33]
several revisions of the documents in
[2:34]
front of you tonight. Uh I did bring um
[2:38]
another document I wanted to share that
[2:40]
kind of explains how this
[2:43]
uh conversation got started. It's uh
[2:46]
from the Missouri Department of
[2:47]
Insurance website, that's a sovereign
[2:49]
immunity uh limit um
[2:53]
documentation um
[2:55]
to
[2:56]
explain the difference between a claim
[2:59]
per occurrence and out of all claims
[3:01]
arising out of a single accident. In our
[3:04]
world, we we use in the insurance world,
[3:06]
we use the per occurrence and aggregate
[3:08]
terminology
[3:10]
quite often. But, an aggregate or all
[3:13]
claims arising out of a single event, um
[3:16]
the terminology got a little lost in
[3:17]
translation. So, our
[3:19]
uh we've eliminated
[3:21]
um
[3:21]
the the confusion around these sovereign
[3:24]
immunity limits and the requirement that
[3:27]
was previously 1 million per occurrence
[3:29]
and I believe a three or four million
[3:32]
aggregate limit. And again, uh to um
[3:36]
>> [snorts]
[3:36]
>> uh
[3:37]
make the same point we talked about last
[3:39]
June, that's just not how insurance
[3:41]
policies are structured. The Rotary
[3:42]
Club, the Lions Club, it's very
[3:44]
difficult for them to get a 1 million
[3:45]
per occurrence and a 4 million dollar
[3:47]
aggregate policy.
[3:48]
So, uh on tier one insurance
[3:50]
requirements in the document in front of
[3:53]
you. um Um, minimal risk, no insurance
[3:55]
required category.
[3:58]
Uh, those are rentals where it's
[4:00]
one-time, um,
[4:02]
citizens and and group rentals for a
[4:04]
barbecue get-together where we feel
[4:07]
there's no
[4:09]
uh additional risk on the city or no
[4:12]
additional um care of duty in in renting
[4:15]
out that facility. The taxpayers pay for
[4:17]
that facility. It's a private event, not
[4:19]
open to the public, and in most cases
[4:22]
other municipalities do not require
[4:23]
evidence of insurance for a simple
[4:25]
pavilion rental in a park or or similar.
[4:29]
Um,
[4:30]
tier two and and higher categories kind
[4:32]
of escalate based off of certain
[4:34]
criteria that are um
[4:37]
less arbitrary than than previously.
[4:39]
They identify
[4:41]
um whether or not the event's open to
[4:42]
the public, whether or not alcohol will
[4:44]
be served, animals will be present, or
[4:47]
hazardous events like fireworks and
[4:48]
bounce houses will be on site. And if
[4:51]
those more hazardous, um, items are
[4:55]
um
[4:56]
going to be included in that event, uh,
[4:58]
they go to the category four risk,
[5:02]
um,
[5:03]
level, where we're transferring the full
[5:06]
3. 5 million in sovereign immunity
[5:11]
per for any for all claims arising out
[5:14]
of a single event or occurrence. So, if
[5:16]
you see the the wording there um highlighted in
[5:20]
light gray, "For all claims arising out
[5:22]
of a single accident or occurrence."
[5:25]
Um,
[5:27]
that means for if a bleachers were to
[5:30]
fall down at the county fair or or some
[5:33]
concert event were to have an equipment
[5:35]
malfunction and say five or to 10 people
[5:39]
were injured,
[5:40]
um, they would be limited to $530,000
[5:44]
under the Missouri sovereign immunity
[5:46]
caps, but all of the claims arising out
[5:49]
of that
[5:50]
incident could easily exceed the $1
[5:53]
million requirement that was previously
[5:57]
the limit needed for the
[6:00]
special events and facility rentals. So,
[6:04]
I don't believe there was any
[6:06]
requirement above a million dollars per
[6:09]
occurrence. So,
[6:11]
um
[6:15]
I believe that
[6:17]
kind of explains how we we got over the
[6:18]
last few months to this document.
[6:21]
Um
[6:22]
We we gave guidelines and ran it through
[6:24]
our risk management team at Daniel and
[6:25]
Henry
[6:26]
to make sure all the boxes were checked
[6:28]
that the whole harmless indemnification
[6:30]
wordings, all those legal
[6:32]
clauses and mechanisms in the
[6:33]
application process were were there to
[6:36]
make sure that when we get that evidence
[6:38]
of insurance that we know how
[6:42]
a claim should play out with the
[6:43]
documentation we have on hand before the
[6:46]
event. And as always our our goal as
[6:49]
your insurance broker and risk
[6:51]
management partner
[6:53]
is to transfer or minimize and otherwise
[6:56]
mitigate risk that the city faces
[6:59]
on their facilities and and in the
[7:01]
day-to-day operations. So, I'll
[7:04]
open it to questions.
[7:07]
>> [clears throat]
[7:08]
>> Well, my first question was was back in
[7:10]
January we changed it from 1 and 3
[7:13]
million
[7:14]
to 1 and 4.
[7:17]
million on aggregate.
[7:18]
>> accurate. It was increasing it
[7:20]
back in in April to June when I
[7:22]
>> Okay.
[7:23]
>> It actually was last It was latter part
[7:26]
of last year when it was brought to our
[7:28]
attention that our limits
[7:29]
[clears throat] weren't high enough.
[7:31]
>> Right.
[7:31]
>> And so, that's when we moved the 1 to 3
[7:33]
to 1 to 4.
[7:35]
>> What What you're saying there though
[7:36]
that the 1 to 4 was never
[7:39]
necessary or it was [clears throat]
[7:40]
never
[7:42]
the right way to go about it.
[7:43]
>> right structure. There was There was a
[7:44]
disconnect in communication at some
[7:46]
point in in the chain about um the
[7:51]
uh the higher sovereign immunity limit
[7:53]
for all claims arising out of a single
[7:55]
accident or occurrence. So, we
[7:57]
recommended I I believe I don't again I
[8:00]
don't have any documentation of this
[8:02]
going back in 2025 and 2004 and and
[8:05]
before that. But, the aggregate limit
[8:09]
that's present on a general liability
[8:11]
insurance policies usually $2 million
[8:15]
and the wording for aggregate, the
[8:17]
definition of an aggregate in that
[8:19]
policy is all claims arising and you
[8:22]
know
[8:23]
out of a single policy year. So,
[8:26]
you're right. There was a disconnect in
[8:29]
what we were asking citizens and and
[8:31]
organizations and the appropriate
[8:34]
structure we we should have had in
[8:35]
place.
[8:37]
>> Okay.
[8:40]
>> Luckily, I don't believe there were any
[8:41]
claims that that arose during that time.
[8:44]
Um
[8:45]
>> No, there was no claims, but we
[8:49]
Correct me if I'm wrong, Lori or Chad,
[8:50]
that but we required the one and four
[8:52]
and therefore
[8:54]
the Lions Club, it was like the
[8:56]
you know, their premium went up
[8:58]
exponentially.
[8:59]
So, therefore they came back and then we
[9:01]
come up with this and the four was never
[9:03]
really necessary is how I'm
[9:05]
understanding it, right? Is that But,
[9:08]
now we also have the umbrella on top of
[9:09]
this moderate and high risk categories.
[9:13]
So, is that a different way of saying
[9:15]
that we have more coverage?
[9:17]
I'm not an insurance guy, so I'm just
[9:19]
asking the bare bottom question here.
[9:21]
>> With this new policy, we will have up to
[9:23]
$4 million or
[9:26]
the the only limit in excess of the $3.5
[9:28]
million
[9:30]
sovereign immunity cap. So, all of the risk that that would be faced by the
[9:34]
city of Washington in in an event like
[9:36]
the Town and Country Fair, Rocks Fest,
[9:38]
or any other large festival um where
[9:41]
we'd be on the hook for no more than 3.5
[9:45]
million. That full limit is now
[9:46]
transferred to the event host. In in
[9:49]
those cases where we have a higher care
[9:51]
of duty to verify a liquor license and
[9:54]
make sure security and parking are
[9:56]
arranged and and maybe there there
[9:58]
vehicles on site like uh golf carts and uh UTVs, ATVs that are utilized for
[10:05]
facility management and and those are
[10:08]
the cases, the very very few cases in
[10:10]
which the the full
[10:13]
$3 million umbrella, $1 million general
[10:15]
liability limit plus the $3 million
[10:17]
umbrella would be required. And it's my
[10:21]
professional understanding that special
[10:23]
event policies for festivals like this
[10:25]
are really available.
[10:26]
There is a higher premium for a $4
[10:29]
million limit, of course. But
[10:32]
I I I believe that that that that
[10:34]
coverage is available in the market you
[10:36]
know, for or events like this. Uh
[10:39]
like those hosted here in the city.
[10:41]
>> Do we know that were they able to get
[10:44]
the insurance they needed because I know
[10:46]
they were concerned that there wasn't
[10:48]
going to be
[10:50]
that company that was going to insure it
[10:53]
for a one-day event.
[10:55]
>> I'm waiting on Rick to get back to me.
[10:57]
We've touched base a couple of times.
[10:59]
He's traveling back
[11:00]
from being out of town and he was going
[11:02]
to talk to me tomorrow.
[11:03]
>> Okay. Yeah, I [laughter] just that's
[11:05]
been the conversation I heard. My
[11:06]
biggest fear is we get to you know
[11:09]
>> Sure.
[11:10]
>> the end of the line here and they're
[11:11]
saying, "Uh-oh, we had it can't get
[11:13]
insurance."
[11:14]
>> So, council council, it's my
[11:16]
understanding and and working with the
[11:17]
sheriff and Lori that that we
[11:19]
working towards a grandfathering or some
[11:22]
otherwise exception for this event
[11:24]
because it was already permitted and
[11:26]
planned well before these changes came
[11:28]
into place.
[11:29]
>> Okay.
[11:29]
>> So, we're not trying to draw draw a hard
[11:32]
and fast line but but again to adopt the
[11:34]
best practices
[11:36]
for the city.
[11:37]
>> Correct. So we're we've asked for them
[11:39]
to quote two policies.
[11:41]
One with the one and three and then one
[11:43]
with the two the two and four.
[11:44]
>> Two and two and four.
[11:45]
>> Yeah.
[11:46]
>> So
[11:47]
we're asking them to double the per
[11:49]
claim or incident coverage limit from 1
[11:51]
million to 2 million this year.
[11:53]
To more appropriately transfer you know
[11:56]
majority of the risk the city would face
[11:59]
at that event. And
[12:02]
you know if these recommendations are adopted you know by the city in the uh
[12:08]
the council.
[12:09]
I believe they would start you know for
[12:12]
any events permitted or planned after
[12:14]
that date.
[12:15]
Of approval.
[12:16]
>> Right and to Tim's point or
[12:18]
um
[12:19]
we have in here that they need to have
[12:20]
it proof of insurance to the parks
[12:22]
office 30 or three weeks before.
[12:25]
It surely wouldn't be right for us
[12:26]
tonight to implement this and then 10
[12:28]
days
[12:29]
require ox.
[12:30]
>> Just to have this. We're talking about
[12:31]
one event.
[12:31]
>> We won't we
[12:32]
>> Right. So that's kind of where we're at
[12:34]
there. This in all these
[12:37]
categories
[12:39]
I guess in my opinion kind of what Tim's
[12:41]
saying are we can we even get this
[12:42]
coverage. We rely on Rick Happ who Rick
[12:44]
does a lot of the policies for local.
[12:47]
But I think we need to find a couple
[12:49]
different companies and and back into
[12:51]
the fact that can they insure this for a
[12:54]
one day and what that number is.
[12:57]
You know if I want to rent the
[12:57]
auditorium what are my requirements? And
[13:00]
then what's that insurance cost? If it's
[13:02]
a thousand or two thousand dollars then
[13:03]
I know that. If it's 15 or 20 then we're
[13:06]
never going to rent it Brazilian never
[13:07]
going to rent the auditorium.
[13:09]
>> And that's that's a part of my concern
[13:11]
is are you deterring people from wanting
[13:14]
to take that nice stage that we just
[13:17]
built and make it impossible for you to be able to put on event. Because you
[13:23]
know obviously at those things where
[13:25]
you're you to make your money you're got
[13:26]
to make your money on the concessions
[13:29]
and alcohol sales and all the things
[13:30]
besides the ticket. So, yes, those are
[13:33]
all things that are going to be used
[13:35]
at most events.
[13:37]
You know, that that that are used there,
[13:39]
especially if a let's say a production
[13:41]
company comes to you and sees it,
[13:43]
they're going to get excited about it
[13:45]
and then they're not going to be able
[13:46]
to, you know, it's going to be cost
[13:47]
prohibitive to be able to do it.
[13:50]
>> Sure. Um one thing that underwriters
[13:53]
look for is some type of contractual
[13:55]
requirement to carry that limit. So,
[13:57]
they're not going to offer, say, 4
[14:00]
million if the city of Washington
[14:01]
doesn't contractually require
[14:03]
>> Sure.
[14:04]
>> you to to to have the 3.5 million.
[14:06]
[laughter] So,
[14:08]
um it's a bit of a cart and horse, you
[14:11]
know, situation. You know, when our our
[14:13]
contracting clients, same thing, you
[14:15]
know, if they need a $10 million
[14:16]
umbrella for one project or
[14:18]
you know, their their carrier, usually
[14:20]
if they've been had a long relationship,
[14:22]
can make an exception or or can can
[14:24]
offer that.
[14:25]
>> Special event policies are different. Um
[14:27]
they are one-day events, you know, or
[14:30]
schedule of events like perhaps in the
[14:33]
uh the Chamber of Commerce the
[14:34]
situation.
[14:35]
Um and you know, those folks that do
[14:39]
have more uh events do get, you know,
[14:42]
economies of scale in a master policy
[14:44]
program. I know that was brought up, you
[14:46]
know, last year. Um
[14:49]
You know, we could work on vetting a
[14:51]
source
[14:52]
uh special event policy to be a
[14:55]
preferred
[14:56]
stop for the city of Washington.
[14:59]
It it would not be an overnight thing.
[15:01]
It would be a
[15:02]
probably 6-month or greater,
[15:04]
you know, program, but
[15:06]
in this exercise, Lori and and uh Casey
[15:10]
and Sherry and I, we've basically have
[15:12]
all the information we need. We know how
[15:13]
many people are going to be at what
[15:15]
event. We know what events have alcohol.
[15:17]
We know, you know, all of that stuff.
[15:20]
And so, I can do a little more research
[15:23]
now that I'm better educated
[15:25]
on that front.
[15:26]
Um
[15:27]
I I think it's more realistic, the scale
[15:29]
of events now that I that's in front of
[15:30]
me. You're right. It it For a $5 million
[15:33]
policy for an event like Ox Fest where
[15:34]
you might have
[15:36]
5,000 people attend. I'm not Yeah, sure.
[15:39]
But, you know, that that's going to run
[15:41]
about 5,000 for the first million and up
[15:43]
to 2,500 per million thereafter. So, it it again, if the event is has bounce
[15:49]
houses or the liquor sales from that
[15:52]
event are traditionally maybe higher
[15:54]
than the the gate receipts or, you know,
[15:57]
other other revenues. That's that's kind
[15:59]
of how it's all underwritten in the
[16:01]
special events world. Um and so, now
[16:04]
that we have that information,
[16:06]
if you'd like us to to undergo that
[16:08]
exercise, we'd be happy to do it,
[16:10]
you know, as as your partner in
[16:13]
insurance and risk management.
[16:15]
>> I'd say we wait until find out what Rick
[16:17]
says. If he's got a source for it, then
[16:19]
it
[16:20]
>> So, are you familiar with an insurance
[16:21]
company that would write a policy with
[16:23]
these numbers that could give us a
[16:25]
couple of examples along with Rick and a
[16:27]
couple, you know, I guess that would be
[16:29]
our my opinion to back into is this even
[16:32]
feasible for us for an organization?
[16:33]
>> K&K is like the the industry leader in
[16:35]
special event policy. They insure race
[16:38]
cars. They insure concerts, music
[16:39]
venues. American Specialties is an
[16:41]
underwriter for movie productions,
[16:43]
concerts, uh music production, artists.
[16:48]
Um so, yeah, Daniel Henry certainly has
[16:51]
uh
[16:52]
a a stable of special event underwriters
[16:54]
that we would go to and could help, you
[16:56]
know, on a
[16:58]
uh complimentary or you know, basis
[17:00]
again as as the city's, you know,
[17:02]
partner to help any of these special
[17:04]
event uh sponsors, those Chamber of
[17:07]
Commerce, the the gentleman who
[17:09]
organizes Ox Fest, which I have not
[17:11]
attended, but I hear great things. So,
[17:15]
>> [clears throat]
[17:18]
» It would I think it'd be great only
[17:20]
simply because most of the people that
[17:22]
are from these groups aren't insurance
[17:24]
guys either and they're not
[17:25]
professionals at putting on concerts.
[17:27]
They just want to make some money for a
[17:30]
for you know
[17:32]
>> Yeah, they're trying to have a
[17:32]
fundraiser and
[17:34]
>> So having that in our in our back
[17:37]
pocket, I think would be nice to be able
[17:39]
to have some ammunition to say go here and here.
[17:43]
>> And does it matter if it's a
[17:44]
non-for-profit as opposed to profit in
[17:46]
that world or is it insurance required
[17:48]
no matter what?
[17:49]
>> Um
[17:50]
We we would put together basically an
[17:52]
application on behalf of the city for a
[17:54]
city sponsored event program where the
[17:56]
city's not the named insured but offers
[17:58]
it as a third-party
[18:00]
you know, sponsored basis and then
[18:03]
we would look at these larger events
[18:04]
with a five or six that are going to be
[18:08]
you know, maybe in that that the level
[18:10]
four category and take that information
[18:12]
and be able to offer some general
[18:14]
pricing and and
[18:16]
bring that information back uh and so
[18:19]
compare it to what their current costs
[18:22]
are.
[18:23]
>> And then I think we it also goes with
[18:24]
you know, the chamber takes care of
[18:26]
their own with the fair and other events
[18:27]
they have a year long
[18:28]
>> Sure and
[18:29]
>> Downtown Washington.
[18:31]
Three, four events that they have and
[18:33]
that's good spread that cost out over
[18:35]
all three events, four events, whatever
[18:36]
it may be but maybe it's worth having
[18:39]
they might want that information also to
[18:40]
know another option.
[18:42]
>> Well, to know that these events are
[18:44]
being you know, vetted by the city and
[18:45]
the parks department and permitted and
[18:47]
going through a certain process every
[18:49]
time that that's a certain you know, um
[18:53]
uh
[18:54]
box checked that underwriters like to
[18:56]
see the certain process followed every
[18:57]
time and and all possible risk
[18:59]
management efforts in place. So
[19:03]
>> Any other questions or comments?
[19:05]
>> I just think the other thing to think
[19:06]
about looking
[19:07]
what you handed us here since
[19:09]
22 we've been north of $3
[19:12]
>> Right.
[19:13]
And it's going up about 3% every year.
[19:15]
So, to put something in black and white
[19:17]
that says this is where we're going to
[19:18]
be, we might need to have something
[19:20]
that's tied to a CPI or whatever this
[19:22]
comes out at next year. At some point,
[19:25]
it's going to jump the $4 million mark
[19:27]
and
[19:28]
we'll be back looking at what's our
[19:30]
risk.
[19:31]
So.
[19:34]
» [clears throat]
[19:34]
>> So, is this something that council would
[19:36]
like to table and then bring back later?
[19:38]
>> I'd be in favor of tabling right now to
[19:41]
understand all of this.
[19:41]
>> We gather information and then before we
[19:43]
adopt this,
[19:44]
it'd be worth more information.
[19:46]
>> I mean, we're really
[19:47]
you're looking at Ox Fest, which is
[19:49]
already right on the horizon. And beyond
[19:51]
that,
[19:52]
what else
[19:53]
would fall into this?
[19:55]
>> Sure. I would hate to give any
[19:56]
>> will downtown.
[19:57]
>> Yeah.
[19:58]
>> We got Friends of Aaron.
[20:00]
>> All of it's so close that I have a hard
[20:02]
time saying, "Here it is. Bring me your
[20:04]
insurance certificate tomorrow." So.
[20:06]
>> And I I believe the the couple of the
[20:08]
other larger organizations already met
[20:10]
this requirement as well with with a a
[20:13]
3-year $4 million umbrella in place. So,
[20:17]
um I think there were down to two or
[20:19]
three organizations that were not
[20:20]
already
[20:21]
in compliance. And so, I I I'd love to
[20:24]
explore the master plan if the city
[20:26]
would like us to do that. I would hate
[20:27]
to hold up the implementation of of the
[20:32]
um
[20:33]
at least part of this. You know, the
[20:36]
even the tier one eases the requirements
[20:39]
for the vast majority of uh citizens and
[20:42]
organizations. So,
[20:44]
um
[20:45]
approving it does
[20:47]
provide a lot of immediate
[20:48]
administrative um clarity for the board
[20:52]
at least again on on tier one or two.
[20:55]
And you could suggest a date to be
[20:57]
implemented by the first of the year or
[20:59]
any any date in the future. You know,
[21:01]
the our our
[21:04]
main focus was was to your point, a
[21:06]
councilman Patki,
[21:08]
getting the aggregate terminology and
[21:10]
the per occurrence uh sovereign immunity
[21:12]
limits aligned. So, I think we're we're
[21:14]
all aligned now, so whatever decisions
[21:16]
we make and and we're completely
[21:18]
flexible. Again, there's no insurance
[21:19]
requirements from our carrier partners
[21:21]
that we implement these. These are just
[21:23]
best practices and um
[21:27]
the work product of of the parks
[21:29]
department, myself sitting down
[21:32]
on at least uh
[21:34]
two occasions in person and in a couple
[21:35]
uh
[21:36]
conference calls, so.
[21:38]
>> Well, I don't want to speak for the rest
[21:39]
of council, just so that we get this
[21:40]
clear. I think we're good with the
[21:42]
category breakdown here,
[21:44]
right? So, as as a document going
[21:46]
forward, I think we're in favor of that.
[21:48]
It's just a matter of tabling it until
[21:50]
we get
[21:51]
I don't want to approve it tonight.
[21:52]
>> Sure. Sure, and I'm just trying to meet the needs or or uh goals of of uh
[21:58]
the folks I've worked with on the
[21:59]
administrative side. So.
[22:01]
>> I'd like to understand that
[22:03]
an Oktoberfest or Alliance Club would be
[22:05]
able to get what we're requiring.
[22:07]
>> I think we'll
[22:08]
>> Is there someone out there that will
[22:10]
insure it? Because right now what I'm
[22:11]
hearing is they're not finding anybody
[22:13]
yet. I'm not saying it doesn't exist,
[22:15]
and I'm sure you can find it, but
[22:17]
without knowing that, I have a hard time
[22:18]
saying, "Yeah, let's put this in place."
[22:20]
Just to come back and change it.
[22:23]
>> Okay, so moving forward, we'll
[22:26]
>> Sure.
[22:27]
>> We'll meet again, and then we'll table
[22:28]
it, and then come back.
[22:30]
>> Right. And and tabling it means that
[22:33]
Brewfest is required I mean uh
[22:35]
Oktoberfest required to one and three
[22:36]
like they had before, and the Brewfest
[22:38]
also. That's what they were before was
[22:40]
one and three.
[22:41]
>> We're just going to leave everything as
[22:42]
is.
[22:42]
>> That that's going to stay the same as
[22:44]
is.
[22:45]
And then when we implement, then we have
[22:47]
to look at what is pending,
[22:49]
I guess. Right, Casey? Yes.
[22:51]
>> You got to watch that. You can do a
[22:52]
calendar year at a time. So, if you
[22:54]
somebody comes in tomorrow and books it, it doesn't bring us up.
[22:58]
>> But so, I guess I'm just And that's what
[23:00]
I'm saying is is that when we know
[23:03]
who's going to book it for next year
[23:04]
already,
[23:05]
that are we going to tell Casey to hold
[23:07]
off on insurance or on cost?
[23:09]
>> I could offer another suggestion that
[23:11]
might you might approve
[23:13]
change in policy to adopt a 1 million
[23:16]
per occurrence, 2 million aggregate
[23:18]
limit for all
[23:22]
private events
[23:23]
immediately.
[23:25]
And for the private events even you're
[23:27]
requiring a 2 million dollar limit you
[23:29]
don't have to
[23:30]
>> You can still just do the one two or one
[23:32]
three. There's not a lot of benefit to
[23:34]
the the three million aggregate because
[23:37]
you'd have to have three
[23:39]
claims or multiple claims
[23:41]
in the single event for that aggregate
[23:43]
to have an impact because it's an it's a
[23:45]
calendar year aggregate or
[23:47]
policy year
[23:49]
term aggregate. So, again um
[23:53]
amending it to 1 million per occurrence,
[23:55]
2 million dollars aggregate limit
[23:57]
immediately eases the burden and puts
[23:59]
the
[24:01]
requirements in line with how policies
[24:03]
are written on a daily basis.
[24:06]
And then
[24:07]
um
[24:08]
you could optionally also require an
[24:09]
additional 1 million dollar umbrella
[24:12]
for these other limits.
[24:13]
And it's kind of the Solomon's baby
[24:15]
solution and you could do that on a
[24:17]
calendar
[24:18]
date basis so that no new
[24:21]
events
[24:22]
um
[24:23]
with a higher hazard criteria and it
[24:26]
slipped through. Even
[24:27]
going from 1 million per occurrence to
[24:30]
the 1 million occurrence
[24:32]
and the 1 million umbrella
[24:34]
would be a
[24:36]
kind of step towards where we're
[24:37]
heading.
[24:39]
And again,
[24:40]
uh to to Casey's point, would address
[24:43]
the calendar year application
[24:45]
concern.
[24:47]
So, it's just an option.
[24:49]
Um
[24:54]
And we just we would change this
[24:55]
document to to tier four two through
[24:58]
four
[24:59]
where it's you know
[25:01]
the insurance requirements are are
[25:03]
higher
[25:04]
or or we could table it. Maybe I'm
[25:05]
complicating things.
[25:08]
» Thank you, Council.
[25:09]
>> to table.
[25:11]
>> Second.
[25:12]
>> Motion by Bear, second by Briggs to
[25:14]
table
[25:15]
the
[25:17]
category one through four table for
[25:19]
future information. Is that right?
[25:23]
All those in favor?
[25:24]
>> Aye.
[25:25]
>> Any opposed?
[25:26]
Three to vote.
[25:28]
Passes. Thank you for being here, John,
[25:30]
for that.
[25:30]
>> Thank you. Thank you.
[25:31]
>> We're and just to clarify, we're going
[25:32]
to stay with one and three, correct?
[25:35]
>> We're going to stay the way we are,
[25:36]
right, Council?
[25:37]
>> Yeah.
[25:38]
>> That's what I would
[25:39]
>> Council suggested we could go to one and
[25:40]
two, but one and three we've been
[25:41]
working with and we're there
[25:43]
and we can do that
[25:45]
and we'll have more information next.
[25:47]
>> And just get the details on
[25:49]
what those folks can obtain and if it's
[25:51]
obtainable so that we can understand
[25:53]
this a little better.
[25:54]
>> What's the income though for like
[25:56]
Brewfest or Oktoberfest that comes in
[25:59]
tomorrow?
[26:00]
To do that, we're just going to table
[26:02]
that cuz
[26:02]
>> I would say it's already booked for this
[26:04]
year. Don't book anything past that
[26:06]
until
[26:07]
>> not not not for this year. I'm saying
[26:08]
next year
[26:09]
>> That's what I'm that's what I mean. I'm
[26:10]
just saying you already have it established for this
[26:14]
year.
[26:16]
Next year is going to be subject to the
[26:19]
change that we make after
[26:22]
the information comes in.
[26:24]
>> I just want to clarify
[26:26]
>> Sure, I'm with you. I agree.
[26:28]
>> And I'm assuming they know that and
[26:29]
they're already shopping to see what
[26:30]
they can get and what how it's going to
[26:32]
affect.
[26:32]
>> So
[26:33]
>> That's what I'm saying.
[26:34]
>> I think everybody knows that, but I just
[26:35]
want to make sure everybody's clear what
[26:37]
we
[26:38]
>> Yeah.
[26:39]
>> I would hope that we have talked with
[26:41]
the organizations and they understand
[26:42]
that you know, we have risk here and
[26:44]
we've got to look at what we can do to
[26:45]
mitigate the risk.
[26:47]
So, if we haven't, we need to.
[26:49]
>> It has been relayed to some of the
[26:50]
organizations, Casey. Correct me if I'm
[26:52]
wrong.
[26:53]
>> They're just a couple of them that
[26:54]
>> it this way this year, but then going
[26:56]
forward, it's going to be the new
[26:57]
limits.
[26:58]
>> Yeah. So then, I I completely agree with
[27:00]
that.
[27:00]
>> Yeah.
[27:01]
>> All right. Thanks.
[27:02]
>> Thanks, Jeff.
[27:03]
Casey. [clears throat]
[27:06]
» Casey and John again, and Lori, thank
[27:08]
you for all your hard work. Appreciate
[27:10]
it.
[27:11]
>> Yeah, and
[27:12]
>> Thank you. Continuing it, too.
[27:13]
>> Yeah, continuing it. I'm not done yet.
[27:15]
>> We'll get it right.
[27:16]
>> Thank you.
[27:17]
>> Thanks. [clears throat]
[27:17]
>> Thank you.
[27:19]
>> Building Department, drywall
[27:21]
inspections, new residential
[27:22]
construction, and commercial projects.
[27:29]
» Good evening, Council.
[27:30]
Um
[27:33]
and city administrator, sorry.
[27:35]
Uh
[27:36]
I just wanted to bring to your
[27:36]
attention, we're going to start doing
[27:38]
drywall inspections. Um something that
[27:41]
we've done a few [clears throat] of in
[27:42]
the past. Um mostly on larger commercial
[27:46]
uh
[27:47]
three and four-story buildings, uh where
[27:49]
we've got rated corridors and stuff. But
[27:51]
the plan now is to move that to all the
[27:52]
residential.
[27:54]
Um we've got some pretty big townhome
[27:56]
developments uh coming in, where we've
[27:58]
got um fire separations between all of
[28:00]
the the units. Uh we feel that that's
[28:03]
important that we get in there and make
[28:05]
sure those drywall inspections are done.
[28:07]
Um those kind of compartmentalize these
[28:09]
things um
[28:10]
basically from the foundation all the
[28:12]
way to the roof deck. Um we get to see
[28:14]
some of that. Um but right now, what
[28:17]
we're doing is um
[28:19]
the uh rough-in framing, electrical, and
[28:21]
plumbing inspections, and then we don't
[28:22]
see the buildings again until they're
[28:24]
finaled out. So, this gives us another
[28:26]
chance to go in and make sure they're
[28:27]
putting the right drywall in the right
[28:28]
places um in all the right manners um to
[28:32]
compartmentalize [cough]
[28:33]
[clears throat] um those fire
[28:35]
firewalls.
[28:37]
So, really I'm just just here to
[28:38]
[clears throat] bring you up to speed.
[28:39]
If you get get uh questions from
[28:42]
uh any of the builders around town or
[28:44]
anything, um you know, we've got a bunch
[28:46]
of big developments getting ready to get
[28:47]
started, so kind of felt like now is the
[28:49]
time to do it. Uh, we anticipate maybe
[28:52]
it's going to average about one
[28:54]
inspection per day over the course of a
[28:56]
year.
[28:57]
Um,
[28:59]
something like that. You know, I it's
[29:00]
just kind of what we're anticipating.
[29:01]
So, it's going to be a little bit of
[29:02]
additional burden, but it's not going to
[29:04]
be terrible for us to to um make that
[29:07]
happen, so.
[29:09]
>> But, Blake, you already have the
[29:10]
requirements already in place in the
[29:11]
building code. This is just an
[29:13]
opportunity to inspect
[29:14]
>> Correct. Additional time.
[29:16]
>> That's that's correct.
[29:16]
>> doing it right. Yeah.
[29:18]
>> Yeah. And and they're doing these
[29:20]
drywall inspections in the county in the
[29:22]
city Union. I believe in the city of
[29:23]
Pacific they're already doing these
[29:25]
drywall inspections, so it's not going
[29:26]
to be anything new for any of the
[29:28]
builders that I know of. I've talked to
[29:29]
a couple of them already. They they
[29:31]
anticipated that we were doing them and
[29:32]
we're not. So, it's it's not going to be
[29:34]
a surprise, so.
[29:36]
Shouldn't be too big of a deal, I don't
[29:37]
think.
[29:38]
>> You're going to communicate this to the
[29:39]
contractors, I guess.
[29:41]
>> Absolutely. Yeah. Yeah.
[29:43]
>> [clears throat]
[29:43]
>> I'll be and and we're
[29:45]
we don't have a hard fast date on this.
[29:48]
We're we're going to just slowly slowly
[29:50]
push this out to them.
[29:52]
All the new developments we're going to
[29:53]
be doing it. The developments out on
[29:55]
Becker Road, you know, we're going to
[29:56]
talk to them and say, "Hey, any new
[29:57]
construction you're going to be required
[29:58]
to do it."
[29:59]
Anything [snorts] that's under
[30:00]
construction currently,
[30:03]
maybe they do them, maybe they don't.
[30:04]
Maybe it's kind of a warm up. They're
[30:05]
going to try to remember to call them
[30:06]
in, but we're going to we're we're
[30:08]
obviously going to miss some. We're not
[30:09]
going to see them all. So, the idea is
[30:11]
to do the best job that we can do to try
[30:13]
to help them and help the customer get
[30:15]
um a better product, hopefully.
[30:17]
So.
[30:19]
>> Okay.
[30:20]
You do it before you do it before they
[30:22]
hang the drywall or after?
[30:24]
>> Af- after they hang the drywall. We want
[30:25]
to see that there's 5/8 drywall where
[30:27]
there's supposed to be 5/8, 1/2 in um
[30:29]
green board in the in the wet rooms in
[30:31]
the bathrooms and stuff. That's what
[30:33]
we're looking for.
[30:34]
>> Cuz you do the blocking inspection with
[30:36]
the plumbing and electric.
[30:37]
>> Correct.
[30:38]
That's correct.
[30:39]
>> Okay.
[30:41]
>> Anything else?
[30:42]
>> Any other Any other for Blake?
[30:44]
>> Hey,
[30:45]
>> Thank you.
[30:45]
>> I will ask you one question. This is
[30:46]
kind of to Kevin and you both, but I was
[30:50]
had a conversation with a couple of our
[30:51]
city employees last week, and they were
[30:54]
going to a particular business to clean
[30:56]
out their grease trap
[30:58]
and our sewer again.
[31:00]
And I'm only going by employees' words.
[31:03]
We've gone there.
[31:05]
What do they get charged? Do are we Do
[31:07]
we have something in place where if
[31:09]
someone's not complying with our grease
[31:11]
trap or sewer
[31:13]
Is that something through
[31:14]
building codes for Blake, or does Kevin
[31:16]
take care of that?
[31:17]
>> Uh I take care of that in my department.
[31:19]
And yes, we can charge them. It's just
[31:21]
been
[31:22]
because Washington's always been such a
[31:24]
friendly community, we've avoided
[31:26]
charging it. However, they will be
[31:28]
receiving the bill for the 2 days of
[31:30]
labor, the two trucks that were there,
[31:32]
the vac truck that was there,
[31:34]
and anything else that happened to come
[31:36]
up with it, yes.
[31:37]
>> Good. Like I said, I don't get told this
[31:38]
all the time.
[31:39]
>> And it's moving forward from here this
[31:40]
point on. Anybody that causes a problem
[31:42]
like that will get charged labor charges
[31:45]
from from Washington.
[31:46]
>> Okay. Sorry, Blake. It wasn't I thought
[31:48]
maybe it went through building and
[31:49]
>> we do work together on that. So, it's that's Yeah.
[31:53]
>> All right. Thank you.
[31:54]
>> That's in process right now.
[31:55]
>> Perfect. Thank you.
[32:00]
» Engineering Department High Street
[32:02]
Project Supplemental Agreement Number
[32:04]
Two.
[32:07]
» Good evening, Council. Uh this is just
[32:09]
cleaning up our contract with uh HDR
[32:12]
who's doing our construction inspection
[32:14]
uh for the High Street project. Um they
[32:16]
just had a completion date of December
[32:18]
31st, 2025. Obviously, we're already
[32:20]
past that date.
[32:22]
Um so, we're moving it out 60 days past
[32:24]
the completion of the construction,
[32:25]
which is
[32:26]
February 13th, 2027.
[32:29]
We just got to make sure it's in place
[32:30]
so that it doesn't mess up our
[32:31]
reimbursements since it's tied to the
[32:33]
grant, so.
[32:35]
>> You said December 31st this contract end
[32:37]
or to be completed?
[32:38]
>> Uh
[32:39]
>> this for the construction inspection was
[32:40]
December 31st of 25. They just had like
[32:43]
the wrong date in there. We just had it
[32:45]
from previous when we started all this
[32:47]
grant back in 21, you know. Um but the
[32:50]
actual completion of construction is
[32:52]
December 15th
[32:53]
of this year.
[32:54]
>> You think they're going to make that?
[32:56]
>> They're pretty confident, so we'll see
[32:58]
how that goes.
[33:01]
» Thank you.
[33:01]
>> Yeah.
[33:02]
>> I'll make a motion send it on.
[33:05]
>> Second.
[33:05]
>> Motion by Bear, second by Briggs to send
[33:08]
uh
[33:09]
item 3C on to council. All those in
[33:11]
favor?
[33:12]
>> Aye.
[33:13]
>> Any opposed?
[33:14]
By your vote, we move to council. Thank
[33:16]
you.
[33:17]
>> Fire department fire station one mowing
[33:19]
bid.
[33:27]
» Good evening council and admin.
[33:29]
Uh station fire station one opened
[33:31]
before the contract was or after the
[33:33]
contract was let. So the uh grass
[33:36]
cutting bid for the new firehouse does
[33:38]
not is not included in the in the uh
[33:41]
contract. This is a request to extend
[33:43]
that at $100 per cutting.
[33:47]
Please.
[33:49]
>> Guys are tired of doing it in the heat.
[33:52]
>> I don't know what Well, yeah.
[33:55]
We got the hoses picked up finally.
[33:56]
We've got the lawn established as far as
[33:58]
we're going to be able to get it.
[33:59]
>> Right.
[34:00]
>> That's why we were holding off was
[34:01]
because of the all we didn't want to buy
[34:03]
garden hoses.
[34:06]
» Any questions for chief for mowing at
[34:07]
the new fire station?
[34:10]
>> Make motion.
[34:10]
>> Second.
[34:11]
>> Motion by Holtmeier, second by Hydrick
[34:13]
to send to council.
[34:14]
>> All those in favor?
[34:16]
>> Aye.
[34:16]
>> Any opposed?
[34:18]
By your vote, we move to council. Thank
[34:19]
you.
[34:19]
>> Inflatable boat motor and trailer
[34:21]
purchase.
[34:22]
>> Yes. Uh during the flooding in
[34:24]
Lesterville, we sent our uh inflatable
[34:27]
boat down to there down there. Uh and it did very well, made a number of
[34:31]
rescues uh while I was down there.
[34:34]
Unfortunately, eight of eight boats that
[34:35]
went down there were significantly
[34:37]
damaged including ours.
[34:39]
Um in the meantime, I spoke with state
[34:41]
emergency management said, "Hey, we got
[34:43]
a problem. We ate all these boats up.
[34:44]
What are we doing when we have the next
[34:46]
rain?" And at that time Missouri State
[34:48]
Patrol had a boat that was preparing to
[34:51]
go to surplus and it was loaned to us.
[34:54]
Um
[34:54]
in further discussions, that boat was
[34:56]
offered to us at $3,000.
[34:59]
Um started doing some research and found
[35:01]
out that the motor alone is worth about
[35:03]
2,700. The trailer is about 1,500. Start
[35:05]
doing the math. We're getting it for
[35:07]
somewhere between 33% and 50% of cost.
[35:10]
Um so I'd like to make the
[35:11]
recommendation to purchase the boat.
[35:13]
What we find in these in these water
[35:15]
events, uh typically what we have is
[35:17]
multiple events simultaneously. It's not
[35:19]
just one creek flooding at one time.
[35:21]
It's all the creeks flooding at once.
[35:23]
And so having additional resource would
[35:25]
be valuable. The one that was damaged is
[35:27]
in North Carolina currently being
[35:29]
repaired and hopefully sent home before
[35:31]
too terribly long.
[35:34]
» Is it one of those that have both boats
[35:36]
on one trailer or is it on two separate
[35:37]
>> Two separate trailers, two separate
[35:39]
households.
[35:40]
Up to two vehicles for both.
[35:43]
>> I'll make a motion.
[35:44]
>> Second.
[35:45]
>> Motion by Pepsol, second by Hydrick to
[35:47]
send the inflatable boat purchase on to
[35:50]
council.
[35:51]
>> [clears throat]
[35:51]
>> Any other discussion? All those in
[35:53]
favor?
[35:54]
>> Aye.
[35:54]
>> Any opposed?
[35:56]
By your vote, we'll move to council.
[35:57]
Thank you.
[35:58]
>> Thank you.
[36:02]
» Any other department heads?
[36:10]
» Good evening, council. Uh I just want to
[36:12]
let you all know that the Titus Twister
[36:14]
odor removal equipment that you all
[36:15]
approved us to purchase came in early.
[36:18]
Um it is installed. We got it installed
[36:20]
on Friday. It has been running since
[36:21]
Friday. Um
[36:23]
starting up I went on Saturday. You
[36:25]
could still smell smell some odor.
[36:27]
Sunday a little bit. I did a little bit
[36:28]
adjustments on the machine and by
[36:30]
Monday, I couldn't smell the odor. So,
[36:32]
Mike, how's it doing for you?
[36:34]
>> I have to ask you cuz you live down
[36:35]
there.
[36:35]
>> been home much this weekend, but I'm
[36:36]
assuming it's okay.
[36:37]
>> Okay. So, today [laughter]
[36:39]
I was down there and it smelled good.
[36:40]
So, it is it is it is working doing what
[36:42]
it had to do demo had done. So, just
[36:43]
wanted to let you all know it's in and working. So, we put it inside the
[36:47]
building. You can't even hear it hear it
[36:48]
run. So, there'll be no noise down there
[36:51]
and and it'll do its job. So,
[36:53]
>> Okay.
[36:54]
>> Good fix. Thank you.
[36:55]
>> Thank you, Kevin.
[36:56]
>> All right.
[36:57]
>> [clears throat]
[37:02]
» Anyone else?
[37:04]
>> I have a question to either Charles or
[37:06]
Aaron, maybe Charles since Blake left.
[37:09]
Um
[37:10]
It's a touchy subject here, but I just
[37:12]
like
[37:13]
I've had a few people ask me about this.
[37:15]
The alley is having some events that are
[37:19]
some people feel less appropriate than
[37:21]
others.
[37:22]
Um do we have a system in place where
[37:25]
they're not having
[37:27]
so-called adult events where the kids
[37:29]
are at the arcade?
[37:32]
Are you familiar with what I'm asking?
[37:34]
>> I I just heard about some of this this
[37:35]
morning, um but didn't
[37:38]
Really?
[37:39]
>> Yeah, I mean I I I can I can look into
[37:41]
that. I I don't have a good answer for
[37:42]
you right now, but I'm I'm more than
[37:43]
happy to look into, you know, the
[37:45]
specifics. So,
[37:46]
>> I mean, obviously some people feel at a
[37:48]
different level of, you know,
[37:49]
complaining, but I guess from a city
[37:51]
standpoint, do we have something in
[37:52]
place that would be good to know?
[37:54]
Um
[37:54]
>> Sure. Yeah, I'm more than happy to
[37:56]
provide you a report on
[37:57]
>> breaking the rules on
[37:57]
>> our adult entertainment
[37:59]
>> Specifically, it's rules.
[38:00]
>> The events are fine, but it's that the
[38:02]
kids are there.
[38:03]
>> Well, I mean,
[38:04]
personally for me, yeah, I think the
[38:06]
events are inappropriate. There's no
[38:07]
doubt about that. I don't but I guess my
[38:10]
question to you is is there anything in
[38:11]
our city ordinance or anything like that prohibits them from having that?
[38:15]
And I guess my biggest fear goes back to
[38:17]
the fact that we're
[38:19]
promoting this business as an arcade and
[38:21]
then we're going to have certain adult
[38:24]
events there seems completely
[38:25]
inappropriate. So
[38:27]
someone did tell me that they were
[38:28]
downstairs. They renovated the basement
[38:30]
for that. So is there something else?
[38:32]
I don't know.
[38:34]
Um it's just kind of eye-opening and
[38:35]
something that we have
[38:37]
on our main street and I'd like to know
[38:40]
what's allowed and what's in our
[38:42]
city ordinance.
[38:43]
>> Sure. I'll get back to you with an email
[38:45]
regarding our adult entertainment rules
[38:47]
and how that applies there. So thank
[38:48]
you.
[38:49]
>> Aaron, can you send
[38:50]
>> everybody one on that? Include everybody
[38:51]
on that.
[38:52]
>> Absolutely. Yes.
[38:52]
>> Thank you.
[38:53]
>> [clears throat]
[38:55]
>> Any other questions for department
[38:56]
heads?
[39:00]
All right. Seeing none, Sherry, we'll go
[39:01]
to executive session.
[39:03]
>> Executive session, public vote on
[39:05]
whether or not to hold a closed meeting
[39:06]
to discuss personnel, legal, or real
[39:08]
estate matters
[39:10]
pursuant to section 610.021
[39:12]
RSMO 2000. Bear?
[39:15]
>> Yes.
[39:16]
>> Briggs?
[39:16]
>> Yes.
[39:17]
>> Coulter?
[39:17]
>> Yes.
[39:18]
>> Highridge?
[39:19]
>> Hi.
[39:19]
>> Holtman?
[39:20]
>> Hi.
[39:20]
>> Hackney?
[39:21]
>> Yes.
[39:21]
>> Hapsel?
[39:21]
>> Yes.
[39:24]
>> Thank you, folks. We'll see you back at
[39:25]
7:00.